``Essex County Register of Deeds, John O'Brien, said that this situation and scale of fraud is "appalling," and that their broken promises are hurting homeowners.

"The banks have decided to have attorneys sign these, but they weren't at the foreclosure sale, so they don't have personal knowledge of that," Vawter said, adding that in most cases, the person signing the affidavit has no idea what they're signing, putting homeowners at risk.''

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